I always knew I would be too poor to afford kids, plus my parents were terrible role models for me about parenting, so I am childless by choice and never have regretted it, even tho when I was young it cost me any chance for LTRs in the dating game. Even with all that, I still was never financially secure until I was 59 years old, three years ago, when I inherited enough money to retire and could begin receiving SS Survivor's benefits at age 60. Until then, my whole adult life was living paycheck to paycheck and being poor.